Finally, it has to do with the property often enough to and, above all, a beautiful reason not to constantly make money thoughts. But might be worth it. Because while the years pass, will not change, only the professional circumstances and, in many cases, their own financial Situation, usually for the Better.
Also, interest rates and the offers of the banks and building societies have recently developed resistant to the bottom. Currently, interest rates are much cheaper than at the conclusion of the first loan. What constitutes for the Institute a real challenge, conversely, is your Chance: Who do skillfully and in a timely manner offers obtain, it can save a lot of money. It may be worth a change in the Bank.
on average, they save almost 60,000 Euro.
a recent study of the private Baufinanzierers Interhyp, such as “image” reported shows. Therefore, the experts have evaluated the data of about 100,000 customers who have completed between 2009 and 2011, the loans and now is often a follow-up financing need:
- took at the Time, German property buyers an average loan of approximately 188,000 euros, with an average real estate purchase price of approximately 261.000 euros.
- The average interest rate for the initial funding for the years 2009 to 2011 amounted to 3.91 per cent.
Today’s conditions are often only one-third. Who therefore has to switch now to a cheap connection credit, can save under otherwise identical conditions in comparison to the original terms of a lot of money. The average saving potential for this group spent more in the case of approximately 57,000 Euro, the report said. With the FOCUS Online loans comparison (display) Now follow-on funding
calculate In the Saarland and in Schleswig-Holstein is six years earlier at the destination
time is money – and that’s exactly how it has translated the Interhyp: Who saves tens of thousands of euros, can complete the repayment earlier. In the best case, the six years and three months, so the analysis should be. This top value is for the Saarland and in Schleswig-Holstein.
The specific potential time savings depends on your place of residence. Behind the two front-runners Hamburg with five years and ten months, and Baden-Württemberg with five years and nine months of time-saving potential.
Almost three years are possible everywhere
Between the individual Federal States there are significant differences: for example, borrowers in Bremen, in the cut can. only four years and eight months, and in Saxony-Anhalt again in three months less to save
- read also: funding, wait: As you collect tens of thousands of euros grant for your house renovation
Even within the individual Federal States may differ, the potential for savings is strong. However, even in the two country, with Germany the least potential opportunity for savings is just under three years are still there: In Lüchow-Dannenberg (Niedersachsen) and in the kyffhäuser Kreis (Thuringia) save an average of 35 months.
Who agreed to higher reimbursement rates, saves money and time
As the reason for the differences between the regions, the expert lead to different interest rates, which vary depending on the lending institution. In addition, the purchase prices, the income of the borrower and the respective loan heights, of course, play an important role. (Display)
apartments, houses and commercial objects.
here you will Find the right property
So worth it in absolute terms, particularly in the wealthy district of Starnberg, have a exchange of the loan: EUR 112,000 in there are here in this section as a savings opportunity. The original average purchase price is, however, more than 530,000 euros – more than Double the national average.
Regardless of the place of residence but does not apply to: those Who agreed to higher reimbursement rates, passes only faster, but also better interest rates given. Even minimal differences can mean, in turn, in the course of time thousands of Euro Saving. And the period of time for the repayments in order to once again shorten. Of course you have to be able to afford the but also.
here you can read more on the topic: follow-up financing plan: How to secure low interest rates for the future
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